- Average car insurance cost in Montana is $2,376 per year, or around $198 per month.
- Montana ranks seventh for car insurance cost when compared to the 10 other western states, and ranks 25th out of all 50 states.
- The cheapest car insurance in Montana is predictably found on small crossover and SUV models like the Nissan Kicks, Kia Soul, Buick Envision, and Ford Bronco Sport.
- Off-road capable vehicles like the Toyota Tacoma, Subaru Outback, and Jeep Wrangler are popular in Montana, with average insurance rates of $2,406, $2,024, and $2,712 per year, respectively.
How much is average car insurance cost in Montana?
The average cost of car insurance in Montana is $2,376 per year, which is 4.3% more expensive than the national average rate of $2,276. Car insurance cost per month in Montana averages $198 for full coverage.
Average car insurance rates in Montana for some of the more popular vehicles include the Ford Explorer at an average of $2,154 per year, the Toyota RAV4 at $2,190, the Mazda CX-5 at $1,938, the Nissan Altima at $2,572, and the Ram 1500 at $2,748 per year.
The chart below shows overall average rates for all 2024 model year vehicles, with rates shown by driver age and policy deductible amounts.
Insurance rates shown in the chart above have a range of $3,894 per year. The lowest rate shown is $1,666 per year for a 60-year-old driver with $1,000 deductibles and the most expensive rate in the chart is $5,560 per year for a 20-year-old driver with $250 deductibles.
Teenage drivers have the most expensive car insurance rates and average insurance cost ranges from $5,656 per year for a 19-year-old female driver up to $8,462 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Montana will cost $7,856 to $8,198 per year for 17-year-olds and $6,780 to $7,344 per year for 18-year-olds.
How do Montana car insurance rates compare?
When compared to nearby states, Montana car insurance rates are 10.7% less than Colorado, 2.1% more than Wyoming, 6.7% more than North Dakota, 16.4% more than Idaho, and 7.7% less than South Dakota.
When compared to states in other areas of the U.S., average Montana car insurance quotes are 16.2% cheaper than New York, 3.1% more expensive than Illinois, 16.1% cheaper than Florida, 24% more expensive than North Carolina, and 0.8% cheaper than Texas.
The chart below shows how average Montana auto insurance cost compares to the other western U.S. states. Montana ranks seventh out of the 11 states in the West region for cheapest car insurance rates, and ranks 25th out of all 50 states.
What are the cheapest vehicles to insure in Montana?
The five cheapest vehicles to insure in Montana are primarily compact SUV models. The Subaru Crosstrek ranks #1, followed by the Chevrolet Trailblazer, Kia Soul, the Nissan Kicks, and the Honda Passport.
Other models that have the cheapest car insurance rates in their respective segments are the Toyota GR Corolla at $2,064 per year, the Kia K5 at $2,288 per year, the Honda Passport at $1,892 per year, the Chrysler 300 at $2,262 per year, the Chevrolet Tahoe at $2,228 per year, the Chevrolet Colorado at $2,092 per year, and the Nissan Titan at $2,222 per year.
The next sections break down the cheapest insurance rates for each vehicle segment starting with cars (2-door, 4-door, and hatchbacks) and working through SUVs, pickups, vans, and luxury models.
Cheapest car insurance rates in Montana
The cheapest 2-door and 4-door sedans and hatchbacks to insure in Montana are the Toyota GR Corolla at $2,064 per year, the Nissan Leaf at $2,080 per year, and the Honda Civic at $2,104 per year.
From a monthly standpoint, full-coverage car insurance on this segment in Montana for an average middle-age driver will start around $172 per month, depending on the company.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,064 | $172 |
| Nissan Leaf | Compact | $2,080 | $173 |
| Honda Civic | Compact | $2,104 | $175 |
| Nissan Sentra | Compact | $2,178 | $182 |
| Subaru Impreza | Compact | $2,182 | $182 |
| Toyota Prius | Compact | $2,218 | $185 |
| Kia K5 | Midsize | $2,288 | $191 |
| Honda Accord | Midsize | $2,292 | $191 |
| Chevrolet Malibu | Midsize | $2,304 | $192 |
| Toyota Corolla | Compact | $2,312 | $193 |
| Kia Forte | Compact | $2,318 | $193 |
| Volkswagen Arteon | Midsize | $2,336 | $195 |
| Nissan Versa | Compact | $2,342 | $195 |
| Subaru Legacy | Midsize | $2,344 | $195 |
| Hyundai Ioniq 6 | Midsize | $2,362 | $197 |
| Mitsubishi Mirage G4 | Compact | $2,398 | $200 |
| Volkswagen Jetta | Compact | $2,402 | $200 |
| Toyota Crown | Midsize | $2,404 | $200 |
| Hyundai Sonata | Midsize | $2,410 | $201 |
| Mazda 3 | Compact | $2,456 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Montana Zip Codes. Updated October 24, 2025
Our compact car, midsize car, and full-size car insurance comparisons have complete data for all vehicles including rates by trim level for each model.
Cheapest SUV insurance rates in Montana
The cheapest SUV and crossover models to insure in Montana are the Subaru Crosstrek at $1,756 per year and the Chevrolet Trailblazer at $1,782 per year.
Compact SUVs generally have some of the lowest car insurance quotes available, with a few midsize models like the Ford Edge, Volkswagen Atlas, and Kia Telluride making the top 20 list. Large SUVs like the Chevy Suburban or GMC Yukon cost more to insure, and therefore do not make the list.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,756 | $146 |
| Chevrolet Trailblazer | Compact | $1,782 | $149 |
| Kia Soul | Compact | $1,854 | $155 |
| Nissan Kicks | Compact | $1,870 | $156 |
| Honda Passport | Midsize | $1,892 | $158 |
| Buick Envision | Compact | $1,904 | $159 |
| Toyota Corolla Cross | Compact | $1,916 | $160 |
| Hyundai Venue | Compact | $1,930 | $161 |
| Mazda CX-5 | Compact | $1,938 | $162 |
| Ford Bronco Sport | Compact | $1,944 | $162 |
| Volkswagen Tiguan | Compact | $1,966 | $164 |
| Nissan Murano | Midsize | $1,994 | $166 |
| Buick Encore | Compact | $2,016 | $168 |
| Honda CR-V | Compact | $2,024 | $169 |
| Subaru Outback | Midsize | $2,024 | $169 |
| Buick Envista | Midsize | $2,030 | $169 |
| Volkswagen Taos | Compact | $2,034 | $170 |
| Kia Niro | Compact | $2,044 | $170 |
| Honda HR-V | Compact | $2,066 | $172 |
| Subaru Ascent | Midsize | $2,068 | $172 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Montana Zip Codes. Updated October 24, 2025
See our compact SUV insurance, midsize SUV insurance, and full-size SUV insurance comparison pages for full data on all SUV models.
Cheapest pickup insurance in Montana
Whether you call them pickups, trucks, or pickup trucks, the table below details average car insurance quotes in Montana for pickups like the Ford F-150, Chevy Silverado, and Ram 1500. Also included are the smaller midsize pickups like the Toyota Tacoma, Chevy Colorado, Nissan Frontier, and Ford Ranger, which tend to have cheaper insurance rates than the full-size models.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,092 | $174 |
| Nissan Titan | Full-size | $2,222 | $185 |
| Nissan Frontier | Midsize | $2,246 | $187 |
| Ford Ranger | Midsize | $2,268 | $189 |
| Ford Maverick | Midsize | $2,304 | $192 |
| Honda Ridgeline | Midsize | $2,356 | $196 |
| Hyundai Santa Cruz | Midsize | $2,396 | $200 |
| Toyota Tacoma | Midsize | $2,406 | $201 |
| GMC Sierra 2500 HD | Heavy Duty | $2,414 | $201 |
| GMC Canyon | Midsize | $2,442 | $204 |
| Jeep Gladiator | Midsize | $2,502 | $209 |
| GMC Sierra 3500 | Heavy Duty | $2,518 | $210 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,540 | $212 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,606 | $217 |
| GMC Sierra | Full-size | $2,624 | $219 |
| Chevrolet Silverado | Full-size | $2,626 | $219 |
| Nissan Titan XD | Heavy Duty | $2,626 | $219 |
| Ford F150 | Full-size | $2,658 | $222 |
| GMC Hummer EV Pickup | Full-size | $2,724 | $227 |
| Ram Truck | Full-size | $2,748 | $229 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Montana Zip Codes. Updated October 24, 2025
Visit our midsize pickup insurance and full-size pickup insurance pages for full data comparisons.
Cheapest luxury car insurance in Montana
Luxury cars like the midsize Mercedes-Benz CLA250 and compact Acura Integra have the cheapest overall luxury car insurance rates in Montana at $2,444 and $2,416 per year.
The Mercedes-Benz CLA250 costs $670 less per year than Tesla Model S insurance, which is one of the more expensive midsize luxury car to insure.
The table below shows the 20 luxury cars with the cheapest insurance rates in Montana. Vehicle size is noted along with annual and monthly average insurance cost.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,110 | $176 |
| BMW 330i | Compact | $2,416 | $201 |
| Mercedes-Benz CLA250 | Midsize | $2,444 | $204 |
| Lexus IS 300 | Midsize | $2,448 | $204 |
| Acura TLX | Compact | $2,456 | $205 |
| Lexus ES 350 | Midsize | $2,478 | $207 |
| Cadillac CT4 | Compact | $2,480 | $207 |
| Genesis G70 | Compact | $2,486 | $207 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,490 | $208 |
| Lexus RC 300 | Midsize | $2,494 | $208 |
| Lexus IS 350 | Compact | $2,506 | $209 |
| Jaguar XF | Midsize | $2,512 | $209 |
| Cadillac CT5 | Midsize | $2,560 | $213 |
| Lexus ES 250 | Midsize | $2,568 | $214 |
| Lexus RC 350 | Compact | $2,576 | $215 |
| BMW 330e | Compact | $2,580 | $215 |
| BMW 228i | Compact | $2,582 | $215 |
| BMW 230i | Compact | $2,604 | $217 |
| Lexus ES 300h | Midsize | $2,606 | $217 |
| Audi S3 | Compact | $2,662 | $222 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Montana Zip Codes. Updated October 24, 2025
Cheapest luxury SUV insurance in Montana
The cheapest insurance for compact, midsize, and full-size SUVs in Montana can be found on the Acura RDX at $1,986 per year, the Jaguar E-Pace at $2,222 per year, and the Infiniti QX80 at $2,662 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,986 | $166 |
| Lexus NX 250 | Compact | $2,102 | $175 |
| Cadillac XT4 | Compact | $2,142 | $179 |
| Jaguar E-Pace | Midsize | $2,222 | $185 |
| Cadillac XT5 | Midsize | $2,240 | $187 |
| Lexus NX 350h | Compact | $2,240 | $187 |
| Lincoln Corsair | Compact | $2,266 | $189 |
| Mercedes-Benz GLB 250 | Compact | $2,272 | $189 |
| Lexus UX 250h | Compact | $2,276 | $190 |
| Lexus NX 450h | Compact | $2,292 | $191 |
| Infiniti QX50 | Midsize | $2,310 | $193 |
| Mercedes-Benz GLA250 | Compact | $2,316 | $193 |
| Mercedes-Benz GLA35 AMG | Compact | $2,322 | $194 |
| Cadillac XT6 | Midsize | $2,324 | $194 |
| Infiniti QX60 | Midsize | $2,338 | $195 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,338 | $195 |
| Land Rover Evoque | Compact | $2,370 | $198 |
| Acura MDX | Midsize | $2,376 | $198 |
| Lexus NX 350 | Compact | $2,380 | $198 |
| Lexus RX 350 | Midsize | $2,384 | $199 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Montana Zip Codes. Updated October 24, 2025
Minivan and utility van insurance rates in Montana
The cheapest minivan to insure in Montana is the Honda Odyssey at $2,168 per year, or $181 per month. For utility and cargo vans, the cheapest model to insure is the Chevrolet Express at $2,038 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Express | Full-size Van | $2,038 | $170 |
| Honda Odyssey | Minivan | $2,168 | $181 |
| GMC Savana | Full-size Van | $2,226 | $186 |
| Ford Transit | Full-size Van | $2,228 | $186 |
| Ram Promaster | Full-size Van | $2,290 | $191 |
| Chrysler Pacifica | Minivan | $2,344 | $195 |
| Toyota Sienna | Minivan | $2,430 | $203 |
| Kia Carnival | Minivan | $2,454 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Montana Zip Codes. Updated October 24, 2025
See our minivan car insurance rates page for additional data and a few extra models.
Sports car and exotic car insurance rates in Montana
The Mazda MX-5 Miata has the cheapest car insurance rates in this segment, costing an average of $2,196 per year. The Toyota GR86 ranks second at an average insurance cost of $2,502 per year, followed by the Ford Mustang at $2,610.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,196 | $183 |
| Toyota GR86 | Sports Car | $2,502 | $209 |
| Ford Mustang | Sports Car | $2,610 | $218 |
| BMW Z4 | Sports Car | $2,624 | $219 |
| Subaru WRX | Sports Car | $2,664 | $222 |
| Toyota GR Supra | Sports Car | $2,668 | $222 |
| BMW M2 | Sports Car | $2,746 | $229 |
| Nissan Z | Sports Car | $2,750 | $229 |
| Lexus RC F | Sports Car | $2,806 | $234 |
| Subaru BRZ | Sports Car | $2,840 | $237 |
| BMW M3 | Sports Car | $3,000 | $250 |
| Porsche 718 | Sports Car | $3,058 | $255 |
| Chevrolet Camaro | Sports Car | $3,088 | $257 |
| Chevrolet Corvette | Sports Car | $3,290 | $274 |
| Aston Martin Vantage | Exotic Car | $3,322 | $277 |
| Porsche 911 | Sports Car | $3,404 | $284 |
| BMW M4 | Sports Car | $3,546 | $296 |
| Lexus LC 500 | Sports Car | $3,564 | $297 |
| Jaguar F-Type | Sports Car | $3,748 | $312 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,930 | $328 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Montana Zip Codes. Updated October 24, 2025
Average rates in larger Montana cities
Listed below are average annual and monthly car insurance quotes for some of the bigger cities in Montana. Visit any page to view detailed rate information, including the models with the cheapest car insurance in each city.
- Billings Car Insurance - $2,362 per year or $197 per month
- Missoula Car Insurance - $2,280 per year or $190 per month
- Great Falls Car Insurance - $2,326 per year or $194 per month
- Bozeman Car Insurance - $2,318 per year or $193 per month
- Butte Car Insurance - $2,288 per year or $191 per month
- Helena Car Insurance - $2,252 per year or $188 per month
- Kalispell Car Insurance - $2,466 per year or $206 per month